Ken Byrne Team at Alcova Mortgage, NMLS ID# 187129

09/08/2026

Self-employed buyers hear it constantly: qualifying will be harder for them. It's mostly a myth. Their income isn't harder to qualify — it's just measured differently than a W-2 employee's.

There are two common paths: the traditional route, which averages two years of tax-return income (and can shortchange a business owner who writes off a lot for tax purposes), or a bank statement program, which looks at actual deposits instead of the tax return's bottom line.

Same business owner, same real income — but the loan program you choose can be the difference between a tight qualification and a comfortable one.

If you're self-employed and were told "no" somewhere else, it might be worth a second look before you assume the answer is final.

📞 Call Ken First — 703.927.4456

09/08/2026

Although the spring and summer months are known to be the most popular time to buy a house, fall is emerging as the new ideal season to buy a home. On today's blog, we share 5 reasons why fall can be a great time to buy! 🏠🍁

Fall offers less competition, motivated sellers, and opportunities for negotiation. Discover why fall is the ideal time to buy a home with these helpful tips.

09/07/2026

Happy !

Today, we’re celebrating the hard work, dedication, and determination that help our communities thrive. Here’s to everyone who puts in the work to make a difference every day.

Wishing you a safe, relaxing Labor Day spent with the people who matter most! 💙

09/03/2026

Tip #1

🚨 Always prepare your vehicle for emergencies!

09/02/2026

September is ! 🏠🔐

From meeting new clients to showing properties, real estate professionals are constantly navigating situations where safety matters. That’s why we’re sharing a few practical safety reminders throughout the month to help our Realtor friends stay aware, prepared, and safe on the job.

Follow along each week for more tips!

09/02/2026

It’s ! 🎉

At ALCOVA, we’re proud to celebrate the people who do so much more than help with a home loan. Our mortgage professionals guide, educate, problem-solve, and show up for their borrowers and communities every step of the way. 🏡

Here’s to the people behind the homeownership journey—and all the ways you make a difference. 💙

09/01/2026

Keep your home in peak condition this month by staying on top of these quick and easy home maintenance tips! 🏠

09/01/2026

Did you know that September is observed as ? Now is a great time to brush up on some useful safety tips and tools while committing to keeping safety top-of-mind while on the job!

Learn essential Realtor safety tips for real estate professionals, including how to use social media safely and stay secure during showings.

08/31/2026

SIMPLE MOVES CAN KEEP YOUR CREDIT SCORE ON TRACK. 🏡

Buying a home? Before you open, close, or make a big change to any credit account — check with us first.

🚗 New car loan
💳 New credit card
🛋️ Financing furniture
💰 Big credit card purchase
✍️ Co-signing a loan

Even small changes can impact your credit or debt-to-income ratio.

And remember: credit is still being monitored while you're under contract.

ONE QUICK CALL CAN KEEP YOUR HOUSE HUNTING ON TRACK.

📞 Call Ken First: 703.927.4456

08/28/2026

AI can answer a lot of questions these days. 🤖 But when it comes to your mortgage, there’s a big difference between getting an answer and getting advice that actually fits your situation.

Your loan, your budget, your goals and your plans all matter. That’s why having a real loan officer in your corner can make such a difference throughout the homebuying process. 🏡

Have you ever asked ChatGPT a money question?